Buildings and contents insurance for business

What is commercial buildings and contents insurance?

Buildings and contents insurance will help you put things back to normal if your business premises, contents or stock get damaged, lost or stolen.

Who may benefit from it?

Any business, small or large, which owns a building may want insurance in case it’s damaged. They may also want contents insurance to protect fixtures and fittings and stock, so if something happens they’ll be able to get replacements or have repairs made.

When would it help?

A claim can usually be made if buildings are damaged, new items need to be bought or things need to get fixed if something goes wrong, including:

a fire
storm or flood
water leaks
accidental damage
subsidence
theft or attempted theft
riots and criminal damage

Our range of products is only available through insurance brokers.

Liability

As well as having the building and contents insured, you might want public liability insurance. This insurance can provide protection against personal injury or property damage claims from members of the public. There are other types of liability cover a business might also require, including employer’s liability, professional indemnity, and directors and officers insurance. Your insurance broker will be able to help you find out which covers are best for your business.

Business vehicles

Business vehicles insurance is specially designed for business cars and vans and gives protection in case they're involved in an accident or damage other property.

Business interruption

Sometimes the unexpected happens and it can have a major impact on businesses. Whilst buildings and contents insurance normally takes care of physical damage and losses, business interruption insurance helps with financial losses, such as wage payments and missed income, when the business isn’t able to operate as normal after physical damage or loss.

Why choose Allianz?

Claims

UK based claims services.

Risk management

Free expert help handling the risks your business faces.

Expertise

Over 125 years’ experience as part of one of the largest insurers in the world.

Business legal expenses and expertise

Our insurance packages for small businesses have legal expenses cover included automatically, and this cover can be added to policies for larger businesses too. Legal expenses cover from Allianz provides access to a range of services including:

CLICK Legal

Free legal health check
Over 140 document templates
Safe storage of legal contracts
Easy-to-use guide on legal processes and requirements

Find a broker

TALK Legal

24/7/365 legal advice line
Free tax advice
Discounted legal action, support and communication services from specialist commercial solicitors DWF LLP.

Find a broker

Contact your insurance broker

Speak to your insurance broker to help you arrange your business insurance.

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Frequently asked questions

Is buildings insurance still needed even if my business premises are rented?

Tenants should check this with their landlord. Whilst landlords invariably arrange insurance for the building and might also get some contents insurance for certain fixtures and fittings, this may not be the case in every instance and normally wouldn’t protect the tenant’s business’s contents and stock. So tenants should also speak to their broker about what cover might be wanted.

Do landlords have responsibility for tenants’ belongings?

In the vast majority of cases they don't. It’ll depend on what’s in the tenancy agreement, but usually tenants are entirely responsible for the items they have at the premises so they may want to consider arranging their own contents insurance.

I have goods that are being transported within the UK and around the world. Are they protected by my buildings and contents insurance?

You might want extra cover when goods are being imported and exported or being transported within the UK - you should speak to your broker about what insurance you need.

Can my business premises which aren’t in the UK be protected by my business’s buildings and contents cover?

The countries which are covered by an insurance policy will be set out in the policy wording (and will often be called ‘territorial limits’). Most standard policies only provide cover in the UK, Channel Islands and Isle of Man. If your business extends overseas then you should ask your broker about alternatives including multinational insurance.

What is commercial buildings and contents insurance?

Who may benefit from it?

When would it help?

Our range of products is only available through insurance brokers.

What else might you want insurance for?

Why choose Allianz?

Business legal expenses and expertise

CLICK Legal

TALK Legal

Contact your insurance broker

Frequently asked questions

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